we thank you for being with us this morning. garrett is with the future tradings commission and long-standing service to our government and the private sector as well. we thank you. and john walsh is the acting controller of the curncy. assumed that position on august 15 having previously served as chief of staff for public affairs for the o.c.c. we thank you very much, john, for being with us as well. i ask you to again -- begin. neal, try to keep it down to five or six minutes or so. and again all documentation or supporting materials that you think would be worthwhile for us to have as part of this hearing, we look forward to. let me just say by the way in response to senator shelby without going into details of the statement here, obviously with my departure in a few weeks from here, this committee will have to continue its job, obviously, in the oversight function. and bob bennett and i will be on the outside watching as this all unfolds here. but obviously it will be very important -- tim johnson will be here with a gavel